Pet insurance has proved its necessity for your pet. Every year pet care cost is increasing gradually, without good insurance cover plan you can't afford your pet care, without choosing pet insurance either you allow your pet to live in pain or to put it down. The last thing may happen with your pet is death due to lack of funds.

You should not select any insurance instead before taking pet insurance you should find all details of plan and that company. Below there are some of the important points you should consider:

• Check whether there is any rule on selecting a vet or not. In many insurance companies their rule is they don't allow us to choose our doctor/veterinarian for our pets. They provide their own doctors list. So it is important whether or not you can select your own vet and, if not, then check the vet is good enough to handle your case. Check whether your service provider allows pre-existing or birth conditions; are you able to get coverage for Hereditary Diseases?

• All insurers don’t provide coverage for hereditary diseases and existing conditions so check for this point, If your pet’s breed is generally free from these conditions then maybe it is not a big issue for you otherwise it could be very useful for your pet’s healthy life.

• Whether routine checkups are provided by company or not, some insurance companies provide regular checkups to prevent your pet from serious diseases, it helps both owner and company. So it is nice to ask about regular checkups to service provider.

• If your insurer covering for prescription, prescriptions for pets is as expensive as human without insurance, so be sure that your insurer is providing coverage for prescription.

• Check whether there is any type of cap? It is important to know that there are any caps, if there are and they influence your pets care then choosing another insurance provider is wise option.

• Working of policy, how it is working; mainly in all companies require you to pay first from your pocket and then you get reimbursed by insurance provider. So take a look on all details of procedure, how much time company will take to reimbursed you?

• Procedure for changing policy; if you need to switch your plan, then what will be procedure for that, you may ask. And switching is possible or not?